Terms and Conditions
Financial Services Authority
Is an independent watchdog that regulates the financial services. It requires us to give you this document. Use this information to decide if our services are right for you.
Advance Insurance Services
Is an independent intermediary acting as your agent and accepts responsibility for the advice given and for arranging your insurance.
Whose products do we offer?
We offer a wide range of Personal & Commercial insurance products and have access to leading insurers in the market place. Ask us for a list of insurers we offer insurance from, if required. All policies arranged via www.JustLiability.co.uk are underwritten by International Insurance Company of Hanover Ltd.
Which service will we provide you with?
We will advise and make a recommendation for you after we have accessed your needs for Personal or Commercial insurance. Because of our wide range of providers we are able to discuss your needs and establish a product best suited to you. Policies arranged via www.JustLiability.co.uk are underwritten by International Insurance Company of Hanover Ltd.
Who regulates us?
Advance Insurance Services of 142 Field End Road, Eastcote, Middlesex, HA5 1RJ is authorised and regulated by the Financial Services Authority. Our FSA Firm reference number is 307039. Our permitted business is to arrange and administer Personal & Commercial insurance. You can check this on the FSA’s register by visiting the FSA website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
Ownership
Advance Insurance Services is owned by Brian Patrick Andrew Collis. There is no ownership between ourselves and any insurer.
What to do if you have a complaint
If you wish to register a complaint, please telephone or write to the Manager who will attempt to address your concerns within 5 working days. If our investigation takes longer we will provide a full response within 20 working days, or explain our position and provide a timetable for our response. As we are members of the FSA, you may be entitled to refer the matter to the Financial Ombudsman’s Service.
Are we covered under the Financial Services Compensation scheme?
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging of Compulsory Insurance (Employers Liability) is covered for 100% of the claim, with no upper limit. Non-compulsory insurance is covered for 90% of the claim, with no upper limit.
Quotations
Quotations given by us do not constitute an offer. Quotations are valid until the final calendar day of the month for which the quotation is required. All proposals and requests for insurance are subject to acceptance by insurers and premiums and terms quoted are subject to confirmation and agreement by the insurers. Amounts quoted include commission, insurance premium tax, and if applicable, instalment fees and transaction charges. All premiums quoted are inclusive of HM Government Insurance Premium Tax. We reserve the right to withdraw premium indications before they are taken up and to apply any changes notified to us by underwriters after the indication has been given.
Changes
Any relevant changes in circumstances or in the risk must be notified to ourselves immediately they occur and cover may be invalid until the insurer has accepted changes.
Disclosure (Your duty to us)
We will ask for and seek all relevant information from you in order to recommend an appropriate policy. You must supply us with the requested information, as failure to do so, or to provide incorrect information may lead to you buying an inadequate product or worse, the Insurer may not pay a claim. Insurer’s request all “material facts” to be disclosed, which may be described as any fact, if known, which may be likely to influence their decision to accept a risk and on what terms. If any information supplied changes during the course of the policy period, you musty notify us immediately as this may influence the cover and policy terms and conditions. We cannot, in all cases, maintain a permanent record of such information disclosed, and it is therefore your own responsibility to re-disclose all material facts and to ensure all information supplied to us is correct.
Accuracy
The onus is upon clients to ensure that information supplied to us is accurate, and we cannot accept responsibility in the event that such information is inaccurate. Clients should, wherever possible, give instructions to us in person, as they will be responsible for the consequences of instructions given on their behalf and clients must check that the information which has been given to us is accurate and read any Proposal Forms or Statement of Facts before signing it. We do not accept any responsibility for any errors or omissions on the Proposal Form or Statement of Facts, whether or not a member of staff has completed or assisted in completing the form.
Mid Term Cancellation by Client
You have certain rights of cancellation in the early stages of a policy life and these are shown in the insurer’s policy details document. Policies vary between insurers but be aware that cancellation refunds are not given after a claim and are otherwise calculated on a short period scale weighted in favour of the insurers as their costs are similar whether a policy has run for one day or for one year. Also please be aware that we do not refund commission since this is earned for arranging the policy, and we apply a £10 cancellation charge. Return premiums less than £25.00 will not be refunded. Please note, there are no return premiums for any Liability products.
Mid Term Cancellation by Us
From time to time it may become necessary for us to cancel a policy, e.g. due to non-payment, undisclosed material facts, etc. In the event that we wish to cancel the policy we will write to you (at your last known address) by Recorded Delivery, giving you 7 days notice of the cancellation. Also please be aware that we do not refund commission since this is earned for arranging the policy, and we apply a £25 cancellation charge. Return premiums less than £25.00 will not be refunded. Please note, there are no return premiums for any Liability products. In the event of payment default we may seek to recover unpaid premiums via the Court system, or via debt collection agencies.
Claims
Clients are reminded of the conditions included in the policy and the fact that non–compliance may invalidate cover. All incidents which could possibly give rise to a claim should be notified in writing to ourselves without delay, and a report form completed. All correspondence, claims, summonses, etc should be forwarded immediately (unanswered) to ourselves. Details of all claims procedures may be found in you policy booklet. We will forward any payments received from insurers in respect of a claim without delay. Further information relating to claims can be found in the “Useful Documents” section of the website.
Renewals
Renewals are invited on the understanding that there have been no changes in the risk (see above). We aim to provide renewal details to our clients within a reasonable period before the renewal date, by email. If a policy has been previously paid by direct debit, we are unable to automatically renew cover and will require your explicit instructions to continue cover.
Payment of Premiums
Unless otherwise agreed, premiums are payable at inception of the policy and cover will be effective from the time payment is received. In the event that Insurers grant risk transfer, we will hold money received from you as agent of the insurer, otherwise money received will be held as client money in a statutory trust bank account.
Our Charges
We are an independent intermediary who provides a full range of services. We provide free quotations and advice on changes/additions to your current needs. We also make telephone calls and handle communications on your behalf in respect of any claim made against your policy, at no additional cost. However we may apply fees in respect of new business, mid term adjustments and renewals. The maximum transaction fee is £500 (£5000 for Commercial policies), and is chargeable based on the size of the risk and the amount of work undertaken. The amount of fee applied will be advised to you. A list of fees is available upon request. A charge of up to £25.00 may be made in the event of a default, failure to pay or recorded delivery letters. This charge may be made each and every time this occurs. Return premiums less than £25.00 will not be refunded.
Complaints Procedure
It is our intention to provide you with a high level of service at all times. However, if at any time you are dissatisfied with the service we provide, we have a formal Complaints Procedure. You should therefore take the following action: Please contact our office either verbally or in writing whereby a senior staff member will take details of your concerns. If your grievance cannot be settled to the mutual acceptance of both parties we will acknowledge in writing advising you of the person who is dealing with concerns, and attempt to address them within 5 working days. If our investigation takes longer we will provide a full response within 20 days. Should you wish to take the matter further you may refer your complaint to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR.
Cooling Off Period
Under the FSA regulation we are required to give you certain information before you make your decision. If we have not given you this information when you buy your insurance (and you have not told us you do not want it) we will allow you a cooling off period of 14 days from the time you incept a policy. If you wish to buy your insurance without receiving all the information about the products and services that the FSA private customer code requires, we will keep a record of your agreement to this and there will be no cooling off period.
Law Applicable to the Contract
Clients and Insurers may choose the law applicable to insurance contracts. In the absence of agreement to contrary the law of the country of residence will apply. For non-UK residents or businesses, the law of England and Wales will apply
Premiums Received
In the event that insurers grant risk transfer, we will hold money received from you as agent of the insurer, otherwise money received will beheld as client money in a statutory trust bank account.
Confidentiality / Data Protection Act
We will treat all customers’ personal information in a confidential manner and we will ask a series of questions to ensure that we are speaking to our customer and not a person who is not authorised to ask questions or to give instructions to us. We can only take instructions to effect or to alter a policy in some way from the Policyholder or their legal representative. Your data is held in compliance with the legislative requirements
Law
This agreement shall be governed by the Laws of England, Wales or Scotland and the parties agree herewith that any dispute arising out of it shall be subject to the (non) exclusive jurisdiction of the relevant Court.
Website access
The access to our website that we permit to you is on a temporary basis. The right to bar or ban your access to our website, or withdraw its service, is retained by us. We accept no liability if you are unable to access our website, or if it is unavailable. The password and user name that is provided to you is confidential, and must not be disclosed to anyone else. If you fail to comply with this requirement, we withhold the right to disable your password and user name, or withdraw access to our website.
Information Reliance
Information contained in our website does not constitute advice. We accept no liability for reliance on the information contained in our website by any visitor, or any person informed of its content.
Our liability to you
We are liable to you for:
If you suffer personal injury or death if caused by our negligence
Any statement of fraudulent intent made by one of our staff to you which are not true and factual statements
Any untrue or misleading statement made by one of our staff to you
We are not liable to you for:
If you suffer a loss due to incomplete or inaccurate information entered into our website by you
If you suffer a loss as a direct result of errors in our website technology
If you suffer a loss and have failed to disclose a material fact
If you suffer a loss and are unable to access our website or it is unavailable
Omissions or errors in our website
Any damage or loss caused by virus, malware, Trojan or other technological attack that may infect your equipment as a result of visiting or downloading material from our website, or any website linked to or from our website.
Any damage or loss as a result from information, services, products or material obtained from a website linked to or from our website
Any loss or access of personal data that is outside our control
Non UK access
Non UK residents (including Northern Ireland) are not permitted to access or use our website. We do not accept applications from Non UK residents (including Northern Ireland) and any policies arranged via our website by Non UK residents (including Northern Ireland) will be null and void.
Amendment of our Terms of Business
We may choose to amend our Terms of Business at any time, and reserve the right to do so. Any amendments will be effective from when they are published on our website.
